1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini?
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- Derrick Hensley
- 6 years ago
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1 1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini? Muamalat Gold-i (MG-i) Consignment is a Shariah compliant gold product which offers customers the opportunity to participate in the precious metal market. Your returns would be from the capital appreciation of your initial purchases. MG-i (Consignment) is not covered by Perbadanan Insurans Deposit Malaysia. / Muamalat Emas-i (ME-i) Konsainan adalah produk emas yang patuh Syariah yang memberi peluang kepada pelanggan untuk menyertai pasaran komoditi logam bernilai. Pulangan anda adalah melalui kenaikan harga modal emas pembelian awal anda. ME-i (Konsainan) tidak dilindungi oleh Perbadanan Insurans Deposit Malaysia. The main Shariah concepts applicable are: / Konsep utama Syariah yang digunakan adalah: (i) (ii) Wakalah refers to a contract in which a party, as principal (muwakkil) authorises another party as his agent (wakil) to perform a particular task in matters that may be delegated, with or without imposition of a fee. Under this product, the Bank has been appointed as Wakil by Gold Supplier to sell/buy the physical gold to/from customers on behalf of Gold Supplier. / Wakalah merujuk kepada suatu kontrak di mana satu pihak, sebagai Pemilik (muwakkil) membenarkan pihak lain sebagai ejennya (wakil) untuk melakukan sesuatu tugas dalam perkara-perkara yang berkemungkinan diberikan, dengan atau tanpa pengenaan fi. Di bawah produk ini, Bank telah dilantik sebagai Wakil oleh Pembekal Emas untuk jual/beli emas fizikal ke/dari pelanggan bagi pihak Pembekal Emas. Bai Sarf - refers to sale of currency. Technically, it is selling of money-for-money such as the sale gold-for-gold or silverfor-silver. Under the Bai Sarf contract, customer will purchase the gold from the Bank in grams at the purchase price (in Malaysian Ringgit) which the purchase price of the gold will be determined and quoted by the Bank under the Selling Price and the Bank will buy-back the gold from the customer upon redemption/sale at the selling price of the gold (in Malaysian Ringgit) which the selling price will be determined and quoted by the Bank under the Buying Price. / Bai Sarf merujuk kepada penjualan mata wang. Secara teknikal, ia adalah penjualan wang untuk wang seperti penjualan emas untuk emas dan perak untuk perak. Di bawah kontrak Bai Sarf, pelanggan akan membeli emas daripada pihak Bank di dalam gram pada harga belian (dalam Ringgit Malaysia) di mana harga belian emas tersebut akan ditetapkan dan disebut oleh pihak Bank di bawah Harga Jualan dan pihak Bank akan membeli semula emas tersebut daripada pelanggan semasa penebusan/jualan pada harga jualan emas (dalam Ringgit Malaysia) di mana harga jualan akan ditentukan dan disebut oleh pihak Bank di bawah Harga Belian. (iii) Hibah refers to a transfer of ownership of an asset from a donor (wahib) to a recipient (mawhub lahu) without any consideration. Hibah is a unilateral contract which is revocable by the donor prior to the recipient taking possession of the Hibah asset. Once the recipient takes possession, the Hibah must be unilaterally irrecoverable. If the customer wishes to buy the gold and give it to a third party as a gift, the change of ownership of the gold will be considered as Hibah (Gift). / Hibah merujuk kepada pemindahan hak milik aset dari penderma (wahib) kepada penerima (mawhub lahu) tanpa sebarang pertimbangan. Hibah merupakan kontrak unilateral yang boleh dimansuhkan oleh penderma sebelum penerima mengambil alih pemilikan aset hibah tersebut. Sebaik sahaja penerima mengambil alih pemilikan, hibah tersebut tidak boleh dimansuhkan. Jika pelanggan ingin membeli emas dan memberinya kepada pihak ketiga sebagai Hadiah, perubahan pemilikan emas akan dianggap sebagai Hibah (Hadiah). Parties involved in the MG-i(Consignment) transaction: / Pihak yang terlibat di dalam transaksi ME-i (Konsainan): (a) Bank / Pihak Bank: i. As Seller / Sebagai Penjual The Bank (in their capacity as an agent of Gold Supplier) sells the gold to the customer on behalf of Gold Supplier / Pihak Bank (sebagai wakil kepada Pembekal Emas) menjual emas tersebut kepada pelanggan mewakili Pembekal Emas. ii. As Buyer / Sebagai Pembeli The Bank (in their capacity as an agent of Gold Supplier) buys back the gold from the customer upon redemption/sale transaction on behalf of Gold Supplier / Pihak Bank (sebagai wakil kepada Pembekal Emas) membeli semula emas tersebut daripada pelanggan semasa transaksi penebusan/jualan mewakili Pembekal Emas. (b) Customer / Pelanggan: i. As Buyer / Sebagai Pembeli The customer purchases the gold from the Bank (in their capacity as an agent of Gold Supplier). / Pelanggan membeli emas daripada pihak Bank (sebagai wakil kepada Pembekal Emas). ii. As Seller / Sebagai Penjual The customer sells the gold to the Bank (in their capacity as an agent of Gold Supplier) upon redemption/sale transaction. / Pelanggan menjual emas kepada pihak Bank (sebagai wakil kepada Pembekal Emas) semasa transaksi penebusan/jualan.
2 (c) Gold Supplier / Pembekal Emas: i. A reputable, certified and authorised gold supplier. / Pembekal emas yang mempunyai reputasi yang baik, disahkan dan diluluskan. ii. Shall be determined by the Bank from time to time. / Akan ditentukan oleh Bank dari semasa ke semasa. 2. Who is this product suitable for? / Siapakah yang sesuai untuk produk ini? (a) Eligibility / Kelayakan Individual / Individu: Individuals who have attained the age of 18 years old. / Individu yang telah mencapai umur 18 tahun. Trust account is allowed for children below 18 years old. / Akaun Amanah adalah dibenarkan untuk kanak-kanak berumur dibawah 18 tahun. Open to residents, non-residents and foreigners who have attained the age 18 years and above. / Terbuka kepada residen, bukan residen dan warga asing yang telah mencapai umur 18 tahun dan ke atas. Joint account is NOT allowed. / Akaun bersama adalah TIDAK dibenarkan. Non-individual / Bukan individu: Note:/Nota: Club / Kelab Societies / Persatuan Associations / Pertubuhan Institutions other than firms, corporations and other business enterprise / Institusi selain daripada firma, syarikat korporat dan lain-lain perusahaan perniagaan Corporate and commercial customer / Pelanggan korporat dan komersil The above criteria are subjected to the Bank s policy from time to time. / Kriteria di atas adalah tertakluk kepada polisi Bank dari semasa ke semasa. The customer, either individual or non-individual, shall be subjected to a customer suitability assessment. / Pelanggan, sama ada individu atau bukan individu, adalah tertakluk kepada penilaian kesesuaian pelanggan. For children below 18 years old (minors), the account must be opened in the name of the parent or legal guardian upon providing the Birth Certificate/MyKid. In such a case, the parent or guardian shall be subjected to the customer Suitability Assessment. / Bagi kanak-kanak di bawah umur 18 tahun (minor), akaun tersebut mestilah dibuka di bawah nama ibubapa atau penjaga yang sah semasa menyediakan Sijil Kelahiran/MyKid. Dalam kes seperti ini, ibubapa atau penjaga adalah tertakluk kepada Penilaian Kesesuaian pelanggan. (b) Return Objectives / Objektif Pulangan This product does not generate any profit. Your gain would be from the potential capital appreciation of your gold amount. / Produk ini tidak menjana sebarang keuntungan. Keuntungan anda adalah daripada potensi peningkatan nilai modal jumlah emas anda. (c) Principal Gold / Emas Prinsipal The Principal will be subject to the volatility of the gold market and there is a possibility of impairment of the gold value. / Prinsipal tersebut adalah tertakluk kepada ketaktentuan pasaran emas dan kebarangkalian mengakibatkan kemerosotan nilai emas.
3 3. What am I buying in? / Apakah yang dibeli oleh saya? Item / Perkara Minimum Initial Purchase / Pembelian Minimum Awal Minimum Subsequent Purchase/ Pembelian Minimum Seterusnya Description / Penerangan Individual / Individu: 5 gm Non-Individual / Bukan Individu: 100 gm Individual / Individu : 5 gm Non-Individual / Bukan Individu: 10 gm Gold Purity / Ketulenan Emas 99.99% Gold Denomination / Denominasi Emas Currency /Mata Wang Current/Savings Account / Akaun Semasa/Simpanan 5 grams / 5 gram 10 grams / 10 gram 20 grams / 20 gram 50 grams / 50 gram 100 grams / 100 gram Malaysian Ringgit (MYR) / Ringgit Malaysia (RM) You must own a BMMB Savings or Current account with the purpose to: / Anda haruslah mempunyai Akaun Simpanan atau Semasa BMMB bagi tujuan untuk: - debit the designated account for the amount of purchase / mendebitkan akaun berkenaan bagi amaun pembelian; - credit the redemption proceeds / mengkreditkan hasil penebusan; - debit relevant fees and charges (if any) / mendebitkan fi dan caj (jika ada). Methods to Purchase Gold / Kaedah untuk Membeli Emas Redemption / Sale Option / Pilihan Penebusan/Jualan Selling & Buying Price (Gold Price) / Harga Jualan & Belian (Harga Emas) The customer will purchase the gold from the Bank and Gold-i Certicard/Tamper- Evident will be issued on every purchase transaction by the customer. / Pelanggan akan membeli emas daripada pihak Bank dan Certikad/ Tamper- Evident Emas-i akan dikeluarkan bagi setiap transaksi belian oleh pelanggan. Conditions for redemption / sale of physical gold: / Syarat bagi penebusan/ jualan emas fizikal: i. To be performed only by the person/entity registered under BMMB s record as gold purchaser/owner; / Hanya boleh dilakukan oleh orang/entiti yang berdaftar di bawah rekod BMMB sebagai pembeli/pemilik emas; ii. iii. You must surrender the Gold-i Certicard/Tamper-Evident for proof of ownership. / Anda mestilah menyerahkan Certikad/ Tamper-Evident Emas-i anda sebagai bukti pemilikan. The Certicard/Tamper-Evident must be surrendered to BMMB branch in good conditions / Certikad/ Tamper-Evident itu mesti diserahkan kepada cawangan BMMB dalam keadaaan baik Selling & Buying Price will be quoted daily during office hours in Malaysian Ringgit (MYR) by the Bank. / Harga Jualan & Belian akan dinyatakan setiap hari semasa waktu pejabat di dalam Ringgit Malaysia (RM) oleh pihak Bank. The Selling Price denotes the price that the Bank sells the Gold to the customer. The Buying Price denotes the price that the Bank buys the Gold from the customer. / Harga Jualan menandakan harga di mana pihak Bank menjual Emas kepada pelanggan. Harga Belian menandakan harga di mana pihak Bank membeli Emas daripada pelanggan. Selling & Buying Prices are displayed at BMMB s banking hall and at / Harga Jualan & Belian akan dipamerkan di ruang perbankan BMMB dan di
4 Item / Perkara Profit from Gold / Keuntungan daripada Emas Description / Penerangan Selling & Buying Prices may be vary depending on promotion or campaign from time to time by the bank. / Harga Jualan & belian mungkin berubah mengikut promosi dan kempen bank dari semasa ke semasa. The actual Buying Price or Selling Price will be determined when the respective transaction is performed. / Harga Belian dan Jualan sebenar akan ditentukan ketika transaksi sebenar dilaksanakan. Profit will be from the price appreciation of the gold purchased. / Keuntungan adalah daripada kenaikan harga emas yang dibeli. Purchase Date / Tarikh Belian 24 August 2014 Business Day / Hari Perniagaan Documents Required / Dokumen yang Diperlukan Quantity / Kuantiti Customer s Gold Price per gram (displayed as Bank s Selling Price) / Harga Emas pelanggan segram (dipaparkan sebagai Harga Jualan Bank) Total of Gold Amount / Jumlah Amaun Pelaburan 50 gram RM RM7, Redemption/ Sale Date / Tarikh Penebusan/Jualan 17 June 2016 Quantity / Kuantiti Customer s Gold Price per gram (displayed as Bank s Buying Price) / Harga Emas pelanggan segram (dipaparkan sebagai Harga Belian Bank) Total of Redemption/Sale Price / Jumlah Harga Penebusan/Jualan 50 gram RM RM8, Profit (Appreciation) / Keuntungan (Kenaikan) RM1,201 or 16.77% As per normal branch s business days and hours / Mengikut waktu dan hari bekerja biasa cawangan Individual / Individu - MyKad/MyTentera/MyPR/Army ID/ Police ID / MyKad/MyTentera/MyPR/ KP Tentera/KP Polis - Passport (for Non-Resident) / Pasport (untuk Bukan Residen) Non-Individual / Bukan Individu - Business /Organization registration card / Kad pendaftaran Perniagaan / Organisasi Aside from the above, you must also produce any other documents as required by BMMB. / Selain daripada yang di atas, anda juga mestilah mengemukakan dokumen lain seperti yang diperlukan oleh BMMB. Key Terms and Conditions / Terma dan Syarat Utama Purchase of Gold / Pembelian Emas Individuals who have attained the age of 18 years old. / Individu yang telah mencapai umur 18 tahun. Trust account is allowed for children under 18 years old. / Akaun Amanah adalah dibenarkan untuk kanak-kanak berumur dibawah 18 tahun. Open to residents, non-residents and foreigners who have attained the age 18 years and above. / Terbuka kepada residen, bukan residen dan warga asing yang telah mencapai umur 18 tahun dan ke atas. Joint account is not allowed. / Akaun bersama adalah tidak dibenarkan.
5 Item / Perkara Description / Penerangan Redemption/Sale of Gold / Penebusan/Jualan Emas Redemption/sale can only be performed by the person/entity recognized in the Bank s records at any BMMB branch. / Penebusan/jualan emas hanya boleh dilakukan oleh orang/entiti yang dikenalpasti dalam rekod pihak Bank di manamana cawangan BMMB. The identity of the gold Certicard/Tamper-Evident (i.e. denomination, serial no, etc.) to be as per the Bank s records. / Identiti Certikad/ Tamper-Evident emas (denominasi, no siri, dan lain-lain) mestilah bersamaan dengan rekod pihak Bank. The Gold-i Certicard/Tamper-Evident must be surrendered back to any BMMB branch. / Certikad/ Tamper-Evident Emas-i hendaklah diserahkan kembali kepada mana-mana cawangan BMMB. 4. What are the possible outcomes of my gold? / Apakah kebarangkalian hasil emas saya? Kindly refer to the gold performance analysis as appended below: / Sila rujuk analisis prestasi pelaburan emas seperti yang dilampirkan di bawah: 5. What are the key risks associated with this product? / Apakah risiko utama yang dikaitkan dengan produk ini? (a) Market Risk / Risiko Pasaran Various factors will affect the value of the MG-i (Consignment), including market conditions, customer sentiment and confidence, profit rates, currency exchange rates, rates of inflation, business, economic, political, financial, social, environmental and other events both locally and globally. Such reference values may be volatile and fluctuate and changes in such price which may result in the price, level or value moving adversely to your interests and negatively affecting the return on the MG-i (Consignment). You are exposed to changes in such reference values between the time you purchase the gold and
6 the time of redemption. Past performance is not indicative of future returns. / Pelbagai faktor akan menjejaskan nilai ME-i (Konsainan), termasuk keadaan pasaran, sentimen dan keyakinan pelabur, kadar keuntungan, pertukaran pertukaran nilai matawang, kadar inflasi, perniagaan, ekonomi, politik, kewangan, sosial, alam sekitar dan faktor-faktor tempatan dan global yang lain. Nilai rujukan sedemikian mungkin tidak tetap dan turun naik dan perubahan harga, peringkat atau nilai tersebut adalah tidak boleh diramal, berlaku secara tiba-tiba dan besar di mana boleh mengakibatkan harga, peringkat atau nilai yang bergerak secara bertentangan dengan kepentingan anda dan secara negatif mempengaruhi pulangan ME-i (Konsainan). Anda terdedah kepada perubahan dalam nilai-nilai rujukan tersebut antara masa anda membuat pelaburan dan masa penebusan. Prestasi masa lalu tidak menunjukkan pulangan pada masa hadapan. (b) Legal Risk / Risiko Undang-undang If there is any default by the Bank in respect of its obligations under the MG-i (Consignment), the enforcement of your rights against the Bank will be subject to the terms and conditions of the MG-i (Consignment) and the applicable governing law and jurisdiction. Enforceability may be limited by: / Jika terdapat apa-apa keingkaran oleh Bank tentang kewajipankewajipannya di bawah ME-i (Konsainan), penguatkuasaan hak anda terhadap Bank akan tertakluk kepada terma dan syarat ME-i (Konsainan) dan undang-undang dan bidang kuasa yang terpakai. Penguatkuasaan mungkin terhad kepada: bankruptcy, insolvency, liquidation, reorganisation and other laws of general application relating to or affecting the rights of creditors; / kebankrapan, insolvensi, pembubaran, penyusunan semula dan undang-undang lain yang diterima pakai umum yang berkaitan dengan atau mempengaruhi hak pemiutang; general principles of equity - for example, equitable remedies may not be available where damages are considered to be an adequate remedy; and / prinsip umum ekuiti sebagai contoh, remedi ekuiti mungkin tidak wujud sekiranya pampasan adalah menjadi satu remedi yang mencukupi; dan where obligations of the Bank are to be performed in a jurisdiction outside Malaysia, they may not be enforceable in Malaysia to the extent where the Malaysian courts found that performance would be illegal in that jurisdiction or contrary to public policy in Malaysia. / di mana kewajipan Bank adalah untuk dilaksanakan di dalam bidang kuasa di luar Malaysia, ia mungkin tidak boleh dikuatkuasakan di Malaysia setakat mana mahkamah Malaysia mendapati bahawa prestasi tersebut akan menyalahi undang-undang dalam bidang kuasa itu atau bertentangan dengan polisi awam di Malaysia. (c) Change in Law (including Exchange Control Regulations and Shariah Interpretation) Risk / Risiko Perubahan terhadap Undang-undang (termasuk, Peraturan-peraturan Kawalan Pertukaran dan Interpretasi Syariah) This may have an adverse effect on the valuation, pricing and/or liquidity of the transaction due to regulatory changes. / Ini mungkin mempunyai kesan buruk ke atas penilaian, harga dan/atau kecairan transaksi disebabkan perubahan undangundang. 6. What are the fees and charges involved? / Apakah yuran dan caj yang terlibat? Fees & Charges / Fi & Caj Service Charge for exchange of denomination of the gold / Caj Perkhidmatan bagi pertukaran denominasi emas Storage Fee / Fi Simpanan Note / Nota: o o o Amount / Amaun RM 5 Nil/ Tiada The Bank will communicate to you at least twenty one (21) calendar days prior to the effective date of implementation if there are any changes in fees and charges that is applicable to this product / Pihak Bank akan memaklumkan kepada anda sekurang-kurangnya dua puluh satu (21) hari kalendar sebelum tarikh perlaksanaan berkuatkuasa sekiranya terdapat sebarang perubahan di dalam yuran dan caj yang dikenakan ke atas produk ini. Kindly refer to our website at for details of fees and charges. / Sila rujuk laman sesawang kami di untuk maklumat lanjut berkenaan yuran dan caj. 6% GST will be imposed on all the above transaction/service fees. / GST 6% akan dikenakan bagi semua fi transaksi/perkhidmatan seperti jadual di atas.
7 7. Valuation strategy adopted, frequency & where valuations are published / Strategi penilaian yang diguna pakai, kekerapan & di mana penilaian yang diterbitkan The price per gram at which each purchase placed by the customer shall be the selling price quoted by the Bank to the customer at the time the customer executes the Application Form. The selling price so quoted shall be determined by the Bank at the Bank s sole and absolute discretion in accordance with Shariah principles, taking into account all factors the Bank shall deem relevant including prevailing world and local market conditions for gold and the gold fineness. A purchase will be made during business day upon the Bank s receipt of the customer s Application Form in such form as the Bank shall from time to time prescribe. / Harga setiap gram bagi pembelian yang dibuat oleh pelanggan adalah harga jualan yang disebut oleh pihak Bank kepada pelanggan pada masa pelanggan menandatangani Borang Permohonan. Harga jualan yang disebut akan ditentukan oleh pihak Bank menurut budi bicara tunggal dan mutlak pihak Bank mengikut prinsip-prinsip Syariah, dengan mengambil kira semua faktor yang pihak Bank anggap relevan termasuk keadaan semasa pasaran emas dunia dan tempatan dan ketulenan emas. Pembelian akan dibuat pada hari perniagaan selepas pihak Bank menerima Borang Permohonan pelanggan dalam bentuk yang ditetapkan oleh pihak Bank dari semasa ke semasa. 8. What do I need to do if there are changes to my contact details? / Apakah yang perlu saya lakukan sekiranya terdapat perubahan maklumat untuk dihubungi? It is important that you inform us on any changes in your contact information to ensure that all correspondences reach you in a timely manner. / Untuk memastikan sebarang surat-menyurat diterima tepat pada masanya, sila hubungi pihak Bank dengan segera sekiranya berlaku perubahan maklumat. Write in to: / Tulis kepada: Bank Muamalat Malaysia Berhad Head Office Menara Bumiputra, 21 Jalan Melaka, Kuala Lumpur. Tel / Tel : Website / Laman Web : Branches / Cawangan : Any nearby BMMB branches / Mana-mana cawangan BMMB yang berdekatan 9. Where can I get assistance, further information or lodge a complaint? / Di manakah saya boleh mendapatkan bantuan, maklumat lanjut atau membuat aduan? If you wish to complain on the product or services provided by us, you may contact us at: / Jika anda ingin membuat sebarang aduan mengenai produk dan servis yang kami sediakan, sila hubungi talian berikut: Bank Muamalat Malaysia Berhad Customer Service Department Level 19, Menara Bumiputra 21 Jalan Melaka, Kuala Lumpur Tel / Tel: / Emel: feedback@muamalat.com.my Website / Laman Web: If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: / Jika soalan atau aduan anda tidak diselesaikan dengan sepenuhnya oleh kami, anda boleh menghubungi Bank Negara Malaysia LINK atau TELELINK di:
8 Contact Centre (BNMTELELINK) Laman Informasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia P.O.Box Kuala Lumpur Tel / Tel: ( LINK) Fax / Faks: / Emel: bnmtelelink@bnm.gov.my SMS / SMS: BNM TANYA [your enquiry/complaint] to/kepada WARNING: THE RETURNS ON THIS MUAMALAT GOLD-i (MG-i) CONSIGNMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSETS. THE PRINCIPAL AND RETURNS ARE NOT GUARANTEED AND CUSTOMER RISKS EARNING NO RETURNS AT ALL. MG-i (CONSIGNMENT) IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA (PIDM). AMARAN: PULANGAN MUAMALAT EMAS-i (ME-i) KONSAINAN INI AKAN DIPENGARUHI OLEH PRESTASI ASET PENDASAR. PRINSIPAL DAN PULANGAN ADALAH TIDAK TERJAMIN DAN PELANGGAN BERISIKO UNTUK TIDAK MENDAPAT PULANGAN SAMA SEKALI. ME-i (KONSAINAN) TIDAK DILINDUNGI OLEH PERBADANAN INSURANS DEPOSIT MALAYSIA (PIDM). The information provided in this product disclosure sheet is valid as at / Maklumat yang diberikan di dalam risalah pendedahan produk ini adalah sah pada:
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